Discussing a shorter PPP or reducing it through rate adjustments is possible.

Basics Of Cost BasisTo further understand basis adjustment at death, we should first explore asset basis treatment during an owner’s lifetime.

It might take you 25 years (not 10) to replace your (inflation adjusted) current income (gross or net?).

The advantage of the SBA financing is that you will only have to bring 10% to the table, but you will also have to show with the existing building and your Adjusted Gross income that you have the capacity to pay for the new debt. 

I paid that same day a manual payment through their portal system 1,028.11 (915.00 rent, 15 Utilities Setup, 30 Valet Trash, 5 pet control, 5 Packages, 25 monthly deposit, and 31.61 Pro-rated rent)  Click Pay... 

I will say though, if you take a look objectively you might easily find a way to adjust the floor plan with just adding a wall or door.

However, I just checked a national underwriter's manual, and it appears CD's are insurable, but there are criteria unique to them. 

I wanted to add to the Why, should a investment property buyer use a DSCR program over a Full Conventional purchase or refinance, as we do all programs, whether for a primary, 2nd home or investment property.Currently Full doc loans, meaning using tax returns (2 years) for qualifying can be tedious work and interest rates are higher compared to our DSCR products, since on Fannie Freddie conventional loans require LLPA's ( loan level price adjustments) added to the base rate.

If one buyer doesn’t want to pay what it’s worth, someone else will.Know your market: If the market truly shifts and a buyer’s concerns are valid, it’s reasonable to adjust.

Like @Corey Hawkinson pointed out a person can still utilize them, but with much updated adjustments and conditional variations.